It is essential to make sure that you know how to protect yourself and all that you invest in. Your assets and style of living are unique to you. A homeowner’s insurance policy must be tailored to your needs. All homeowner’s insurance policies, regardless of the insurance company, offer over a dozen “endorsements” or coverage options that could make all the difference in how well your policy performs when you need it most. The best part, these endorsements usually are minimal in cost. That’s why it’s important to never buy a policy based on price alone. We’ll keep it simple, find the right coverage for you, and shop top carriers to ensure you get the price you deserve.

Determining Your Home Insurance Needs

Whether you own a home, condo, or other rental properties, or are a renter, you need to protect yourself, your guests and your assets. Many factors are responsible for determining your coverage needs, for example: the replacement value of your home, the replacement value of your belongings, how old your home is, and safety features all need to be considered.

The only way to get the right amount of insurance coverage is to provide us with all the information we need to assess your coverage needs. The more information that you provide, the better your BenefitSource Insurance Professional can help you create a homeowner’s policy that’s right for you.

Think of your personal situation and the assets you need to protect.

• Are you a home or condo owner, a renter, or a landlord? As a home or condo owner, you want to make sure that you’re protecting the building structure, your possessions, yourself and guests from damage or injury. Renters will want to focus on their possessions, which are not covered by their property manager, while protecting themselves from liability. Rental Property Owners want to protect their properties, and protect themselves from liability.
• Do you have collections of jewelry, fine art or other valuables? The standard homeowner’s insurance policy generally covers the contents of your home. However, all policies have limits on these items. Adding a “scheduled endorsement” can provide coverage for these special belongings.
• Are you concerned with your out-of-pocket expenses if your home is unlivable? You may find yourself with extra, unforeseen expenses, for living expenses or repairs. Building your insurance policy correctly can help cover these.